AI agents and product development for fintech and lending companies
Lenders, payment companies and insurtechs lose money in the gaps between systems: leads that go cold in minutes, KYC files that bounce, collections that run on spreadsheets. We build the agents that close those gaps — with the audit trail your compliance team will ask for.
Where the money leaks
Our Revenue Recovery Agent and inbound sales agent were designed for exactly these workflows; Quotarider's guardrail and decision-ledger give you the audit trail.
- Inbound loan and product enquiries need a reply in seconds, not hours
- KYC and onboarding documents fail on avoidable errors and get re-requested
- Collections are manual, inconsistent and hard to audit
- Reconciliation between payment rails, ledgers and bank statements runs late
- Every automated decision has to be explainable to a regulator
Six agents, each with a human gate and an audit trail.
Inbound lead qualification agent
Answers WhatsApp and phone enquiries instantly, checks basic eligibility, books the call.
KYC document agent
Checks submitted documents for completeness and consistency before a human sees them; requests corrections in one message.
Revenue Recovery Agent
Runs follow-up → escalation → recovery on overdue accounts with money-at-risk dashboards; humans approve every escalation.
Reconciliation agent
Matches gateway settlements, ledger entries and bank statements; posts only matched items, queues the rest.
Dispute & chargeback triage
Classifies incoming disputes, assembles evidence packs and drafts responses within the network deadlines.
Compliance reporting agent
Compiles periodic reports from source systems with every figure traceable to its origin.
Capabilities behind these agents
View all →Data Foundation
Systems that finally agree with each other.
Agentic AI Implementation
Agents that do the work, with a human gate on every action.
AI Governance & Security
Every decision with a rationale you can audit.
Digital Transformation
Modernise the revenue function, not just the software.
AI-Powered Software Delivery
Every spec ships with tests. AI builds, a human gates every release.
Vertical AI Solutions
Accelerators for healthcare revenue and B2B sales.
Questions fintech and lending teams ask
AI agents for fintech · lending software development India · loan collections automation · KYC document automation · fintech product development company · payment reconciliation AI · NBFC software · WhatsApp lead qualification for lenders
Can agents make credit decisions?
No. Agents prepare, check and route; a person or your existing decision engine decides. We design the boundary with your compliance team first.
Do you work with NBFCs and regulated entities?
Yes. Data stays in your environment, access is least-privilege, and every action is logged with a rationale.
How fast can a collections agent go live?
A pilot on one portfolio segment is typically live in three to four weeks.
Building for fintech and lending? Send the workflow, we'll name the agent.
A short brief to enquiry@xdqlabs.com gets a scope and a fixed price within two working days — or a straight answer that it isn't a fit.